What is the minimum car insurance required in Oregon?

Oregon requires 25/50/20 + $15K PIP + UM/UIM 25/50 — required PIP and UM/UIM. Additional required coverage: $15K PIP + UM/UIM 25/50 required. Driving without minimum coverage results in license suspension, fines of $500+, and personal liability for any damages. The minimum is the legal floor — most drivers benefit from higher liability limits because state minimums often don't fully cover damages from a serious accident.

What is the average cost of car insurance in Oregon?

Oregon drivers pay an average of $169/month ($2,034/year) for full coverage and $67/month ($800/year) for minimum coverage. Your specific quote depends on your age, driving record, credit (where allowed), vehicle, and ZIP code — averages are useful for comparison but always quote 3+ carriers for your real rate.

Which car insurance company is cheapest in Oregon?

For minimum coverage, State Farm is cheapest at $36/month ($432/year average). For full coverage, State Farm (or USAA for military) averages $87/month ($1,044/year). Travelers and Country Financial also competitive

How can I lower my car insurance in Oregon?

Five proven tactics: (1) Quote 3+ carriers — switching saves the average driver $300–$500/year. (2) Bundle auto + home for 10–25% off (State Farm leads at 22–23%, ~$1,010/yr avg savings). (3) Increase your deductible from $500 to $1,000 — saves 15–30%. (4) Use telematics — Progressive Snapshot saves safe drivers $322/yr avg, up to 30% off. (5) Stack discounts — multi-vehicle, good driver, paperless, autopay, and pay-annually compound to 30%+ off baseline. In Oregon specifically, allows credit-based insurance pricing.

Do I need uninsured motorist coverage in Oregon?

Yes — Oregon requires uninsured/underinsured motorist (UM/UIM) coverage by law. Roughly 12–25% of drivers nationally are uninsured (varies by state). UM coverage pays your medical bills and car repairs if you're hit by an uninsured or underinsured driver. It typically costs $5–$15/month and is one of the highest-ROI coverages you can add.

Cheapest Car Insurance in Oregon (2026)

State Farm leads minimum coverage at $36/month. Oregon drivers pay an average of $169/month for full coverage. Verified May 2026 against state insurance commissioner and 2026 carrier analyses.

Updated May 1, 2026 · WebSearch-verified state minimums (25/50/20 + $15K PIP + UM/UIM 25/50 — required PIP and UM/UIM), average costs, and cheapest-carrier rankings.

Quick Answer — Oregon

Minimum coverage required: 25/50/20 + $15K PIP + UM/UIM 25/50 — required PIP and UM/UIM
Avg full coverage cost: $169/month ($2,034/year)
Cheapest carrier (minimum): State Farm — $36/mo avg
Cheapest carrier (full coverage): State Farm (or USAA for military) — $87/mo avg

What's special about car insurance in Oregon

PIP coverage of $15K mandatory
UM/UIM 25/50 required by law
Allows credit-based insurance pricing
Portland metro pays significantly more than rural OR

Oregon car insurance at a glance

Feature	Detail	Monthly	Annual
Minimum coverage required	25/50/20 + $15K PIP + UM/UIM 25/50 — required PIP and UM/UIM	—	—
Avg minimum coverage cost	$67/mo	$800/yr	—
Avg full coverage cost	$169/mo	$2,034/yr	—
Cheapest carrier (minimum)	State FarmBest	$36/mo	$432/yr
Cheapest carrier (full coverage)	State Farm (or USAA for military)Best	$87/mo	$1,044/yr

Which carrier should Oregon drivers pick?

Match your situation to the right carrier. Oregon-specific pricing varies by carrier, but the patterns below hold for most drivers.

You want the absolute cheapest minimum coverage→ State FarmCheapest in Oregon at $36/mo.
You want full coverage at the lowest price→ State Farm (or USAA for military)$87/mo full coverage in Oregon. Travelers and Country Financial also competitive
You qualify for USAA (military / veteran / family)→ USAAUSAA is almost always cheapest for eligible members in any state — quote them first.
You bundle auto + home→ State Farm23% bundle discount = avg $1,010/yr savings — highest in industry.
You drive defensively + would let an app monitor→ Progressive (Snapshot)Avg $322/yr savings for safe drivers. Up to 30% off baseline.
You have a high-risk record (DUI, accidents, tickets)→ ProgressiveSpecialty pricing for non-standard drivers — beats GEICO/State Farm in this tier.

Get a free Oregon quote in 15 minutes

GEICO is competitive in most states with 20+ discounts. Online quote takes 15 minutes; switching is free.

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Methodology & sources

All Oregon data on this page was WebSearch-verified May 2026 against the Oregon insurance commissioner / DMV and at least one of the following 2026 carrier analyses:

Caveat: Real quotes vary by ZIP code, age, driving record, credit (where allowed), vehicle, and coverage level. The averages cited are useful for cross-carrier comparison but your actual quote will differ — sometimes by hundreds of dollars in either direction. Always quote 3+ carriers before deciding.